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1. 发明授权

EP1552447B1 UNIVERSAL MERCHANT PLATFORM FOR PAYMENT AUTHENTICATION 有权
标题翻译：通用商业平台支付认证
公开(公告)号：EP1552447B1
公开(公告)日：2017-10-18
申请号：EP03760289.3
申请日：2003-06-12
申请人： CardinalCommerce Corporation
发明人： KERESMAN, Michael, A. , SHERWIN, Francis, M. , BALASUBRAMANIAN, Chandra, S.
IPC分类号： G07F7/08 , G06Q20/02 , G06Q20/12 , G06Q20/40
CPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/12

2. 发明公开

EP3859637A1 SYSTEM AND METHOD FOR TOKENIZATION 审中-实审
公开(公告)号：EP3859637A1
公开(公告)日：2021-08-04
申请号：EP20211365.0
申请日：2016-07-18
申请人： CardinalCommerce Corporation
发明人： KERESMAN, Michael A., III , SHERWIN, Francis M , BALASUBRAMANIAN, Chandra , BENDER, Gary , KATZIN, Ed , CARLSON, Mark
IPC分类号： G06Q20/02 , G06Q20/38
摘要： A method for obscuring a value of a sensitive data element includes: (a) receiving the sensitive data element, the sensitive data element being received over a data communications network (110) at a hardware computing device (142) of a trusted tokenization service provider (140); (b) generating a token corresponding to the received sensitive data element; (c) storing the token and sensitive data element in a memory device (146) such that they are correlated with one another; (d) providing the generated token to a first party (130) that uses the token in place of the sensitive data element in a request for authorization to complete a transaction, the request being sent from the first party (130); (e) intercepting the request for authorization including the token; (f) using the token contained in the intercepted request to look-up and retrieve the correlated sensitive data element in the memory device (160); (g) replacing the token contained in the request with the sensitive data element retrieved from the memory device (160); and (h) forwarding the request containing the sensitive data element to a second party (160 and/or 162) which employs the sensitive data element to determine whether completion of the transaction should be authorized or declined.

3. 发明公开

EP2948909A1 FRAMED IMPLEMENTATION FOR PAYMENT WIDGETS 审中-公开
标题翻译： FRAMED实现支付窗口小部件
公开(公告)号：EP2948909A1
公开(公告)日：2015-12-02
申请号：EP14742991.4
申请日：2014-01-23
申请人： CardinalCommerce Corporation , Balasubramanian, Chandra S. , Heiss, Andrew T.
发明人： BALASUBRAMANIAN, Chandra, S. , HEISS, Andrew, T.
IPC分类号： G06Q20/12 , G06F3/048
CPC分类号： G06Q30/0635 , G06Q20/322
摘要： A system and method process an electronic commerce transaction between a consumer and a merchant over a communications network. A checkout webpage of a virtual shopping cart of the merchant is displayed by a consumer device and an initialization routine of the checkout webpage is performed by the consumer device. The initialization routine segments the checkout webpage to display a widget webpage of a service provider within the checkout webpage. Content of the widget webpage is loaded and displayed independent of content of the checkout webpage. A bootstrap routine of the widget webpage is performed by the consumer device to add a payment widget to the widget webpage and to display the payment widget with the checkout webpage. Further, the transaction is processed by the consumer device to completion using the payment widget.

4. 发明公开

EP2272039A2 UNIVERSAL PAYMENTS DASHBOARD 审中-公开
标题翻译：通用付款控制板
公开(公告)号：EP2272039A2
公开(公告)日：2011-01-12
申请号：EP09734421.2
申请日：2009-04-27
申请人： CardinalCommerce Corporation
发明人： KERESMAN, Michael, A. , SHERWIN, Francis , BALASUBRAMANIAN, Chandra
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/227 , G06Q30/06 , G06Q30/0601 , G07F19/206
摘要： A universal payments dashboard system provides eCommerce merchants with an easy to integrate web page (inline frame) that displays all alternative payment button options that consumers can use on the merchant website(s) to pay for the purchase. Such merchants can display the dashboard on their shopping cart page(s) and on their checkout page(s) at the point where users select the payment option. The dashboard communicates with a payment dashboard provider to complete the payment for the transaction, including any consumer interaction such as entering checking account information, personal details, etc. Upon completing the payment for the order, the dashboard provides the merchant with the completed order information (e.g., a prepaid order) along with all the payment information. The dashboard supports all alternative payment options, payment transaction notifications to enable single cash register functionality and work in conjunction with alternative payment initiatives.
摘要翻译：通用支付仪表板系统为电子商务商家提供易于集成的网页（内嵌框架），显示消费者可以在商户网站上使用的所有备选支付按钮选项来支付购买费用。这些商家可以在用户选择付款选项的地方在他们的购物车页面和他们的结账页面上显示仪表盘。仪表板与支付仪表板提供商通信以完成交易支付，包括任何消费者交互，例如输入支票账户信息，个人详细信息等。在完成订单支付后，仪表板向商家提供完成的订单信息（例如，预付订单）以及所有支付信息。仪表板支持所有其他支付选项，支付交易通知以启用单一收银机功能，并与其他支付方案结合使用。

5. 发明公开

EP2269145A1 SYSTEM AND METHOD FOR TRACKING USER IDENTITY AND/OR ACTIVITY ACROSS MULTIPLE WEBSITES 审中-公开
标题翻译：系统和方法的用户身份和/或活动的多个网站上追踪
公开(公告)号：EP2269145A1
公开(公告)日：2011-01-05
申请号：EP09758846.1
申请日：2009-03-16
申请人： CardinalCommerce Corporation
发明人： BALASUBRAMANIAN, Chandra , RAUHE, Scott , YUCHA, Matthew
IPC分类号： G06F15/167
CPC分类号： H04L12/2602 , G06Q10/0833 , H04L43/00 , H04L67/02 , H04L67/142 , H04L67/22
摘要： A method of tracking a user and the user's activities on a telecommunications network that includes receiving a notification from a first web server that the user has accessed a first webpage, wherein notification is received via a tracking server operated by a tracking coordinator, setting a session cookie including a user tracking ID on the user's computer and/or browser to track user activities on the network and storing tracking data in a database associated with the tracking server, receiving an indication from a second web server that the user has accessed a second webpage on a second website, wherein the second webpage comprises a confirmation that includes transaction data for the user, retrieving the tracking ID from the session cookie and associating the tracking ID retrieved from the cookie with transaction data obtained from the second webpage, and reporting the user tracking data to the first web server.
摘要翻译：跟踪用户和用户的活动，电信网络的方法。该方法包括从一个第一web服务器接收通知并在用户访问的第一网页上的第一网页，worin通知通过由跟踪协调操作的用户跟踪服务器被接收，设定会话cookie包括关于用户的跟踪ID 在用户的计算机和/或web浏览器，以跟踪用户的网络上，并在与该用户的跟踪服务器相关联的数据库中的用户存储跟踪数据，从第二web服务器接收指示没有用户活动已在访问的一个第二网页第二个网站，worin第二网页包括确认网页确实包括对用户的交易数据，检索从会话cookie中的用户跟踪ID和关联与从第二网页获得的交易数据中的cookie检索到的用户跟踪ID，和报告用户跟踪数据，第一web服务器。

6. 发明公开

EP1915734A2 METHOD AND SYSTEM FOR EXTENDING PAYMENT SYSTEM VIA TEXT MESSAGING 审中-公开
标题翻译：方法和/或系统的支付系统体系结构和/或旧秩序对移动商务应用关于信息扩展处理系统
公开(公告)号：EP1915734A2
公开(公告)日：2008-04-30
申请号：EP06788376.9
申请日：2006-07-25
申请人： CardinalCommerce Corporation
发明人： SHERWIN, Francis , BALASUBRAMANIAN, Chandra
IPC分类号： G06Q99/00
CPC分类号： G06Q20/3255 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q30/06 , G06Q30/0601 , G06Q30/0609 , G06Q30/0613 , G06Q30/0633 , H04L51/18 , H04L51/38 , H04L2463/102
摘要： A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an order management system of the merchant.
摘要翻译：文本消息订单处理系统，包括：用于从消费者购买产品从一个或多个商家接收文本消息，每个文本消息被寻址到解决由消费者选择的，并且包括在产品上的识别被购买和上的识别从该文本消息被发送的装置; 装置，用于解析每个文本消息以提取产物，并从文本的按摩装置的识别的识别; 用于选择基于每个接收到的短信支付工具被用来支付购买; 装置，用于建立与所选择的支付工具和送货信息指示其中所购买的产品将被递送的付款信息; 装置，为了包括所建立的支付信息，递送信息和识别该产品的被购买产生每个接收的文本消息; 和的装置，用于在提交所生成的顺序给商家的订单管理系统。

7. 发明公开

EP4009259A1 ELECTRONIC PAYMENT PROCESSING METHOD AND SYSTEM WITH SMART/AUTHENTICATE FIELDS AND DEFINITIONS 审中-实审
公开(公告)号：EP4009259A1
公开(公告)日：2022-06-08
申请号：EP21196179.2
申请日：2011-01-28
申请人： CardinalCommerce Corporation
发明人： ROCHE, Michael , RATICA, Adam , ROMANO, Philip , YUCHA, Matthew , RAUHE, Scott
IPC分类号： G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/12 , G06Q20/38 , G06Q20/40 , G06Q30/06 , G07F7/08
摘要： A method and corresponding system for supporting authentication processing of commercial transactions conducted over a communications network between consumers and merchants. Payment information for a commercial transaction between a consumer and a merchant is received over the communications network. The payment information identifies a payment instrument supporting an authenticated payment program. A determination is made as to whether to authenticate the consumer using the authenticated payment program based on authentication criteria defined by the merchant. The consumer is authenticated over the communications network in accordance with the authenticated payment program if authentication is determined to be appropriate based on the authentication criteria defined by the merchant.

8. 发明公开

EP3485604A1 AUTHENTICATION TO AUTHORIZATION BRIDGE USING ENRICHED MESSAGES 有权
公开(公告)号：EP3485604A1
公开(公告)日：2019-05-22
申请号：EP17745582.1
申请日：2017-07-14
申请人： CardinalCommerce Corporation
发明人： ENRIGHT, Erik, Nils , RATICA, Adam , KERESMAN, Michael, A., III , SHERWIN, Francis, M. , BALASUBRAMANIAN, Chandra, S.
IPC分类号： H04L9/32

9. 发明授权

EP2284784B1 Universal merchant platform for payment authentication 有权
标题翻译：通用商家支付认证平台
公开(公告)号：EP2284784B1
公开(公告)日：2017-12-13
申请号：EP10183825.8
申请日：2003-06-12
申请人： CardinalCommerce Corporation
发明人： Keresman, Michael, A. , Sherwin, Francis, M. , Balasubramanian, Chandra, S.
IPC分类号： G06Q20/02 , G06Q20/12 , G06Q20/40 , G07F7/08
CPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/12
摘要： A consumer shops at an online merchant (60) using a selected payment instrument. Transaction details are sent from the merchant (60) to a transaction processing service provider, TSP (70) that formats and routes various tasks and messages in accordance with authentication protocols prescribed by the payment processing network to which the payment instrument being used for the translation belongs. Payment processing networks include for ATM card (70), first credit card (72), second credit card (74), check card (76) and private label card (78). The TPSP (70) obtains transactions from the merchant and distributes them to the proper payment processing networks. Having obtain an authentication determination, the authentication service provider (70) then returns authentication data to the merchant (60) to the established underlying payment processing infrastructure via optional payment gateway (80).

10. 发明公开

EP2318946A1 INTELLIGENT SERVER ROUTING 审中-公开
标题翻译：智能Server路由
公开(公告)号：EP2318946A1
公开(公告)日：2011-05-11
申请号：EP09810569.5
申请日：2009-08-27
申请人： CardinalCommerce Corporation
发明人： RATICA, Adam
IPC分类号： G06F15/173
CPC分类号： G06F9/505 , H04L29/12047 , H04L61/15 , H04L67/1002 , H04L67/1008 , H04L67/1023 , H04L67/1029 , H04L67/1034
摘要： The present application relates to methods and systems for intelligently routing requests to one of a plurality of redundant servers. The methods and systems route the requests to a most highly ranked redundant server. The redundant servers are dynamically rank according to ranking information, wherein the ranking information may include server performance information, server response information, next step performance information, next step response information, historic information and other like information. Next step response information and next step performance information corresponds to information pertaining to servers the plurality of redundant servers depend upon. The methods and systems may further randomly re-rank the plurality of redundant servers. The methods and systems may further re-route unprocessed requests meeting non-performance criteria.

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